Working capital on this desk is B2B factoring from $20 million a month. Restaurant MCA stacking is a pass. SBA is search only. CRE from $10 million. Talk to PeerSense.
SBA is search only. Working capital on this desk is B2B factoring from $20 million a month. Restaurant MCA stacking is a pass. CRE from $10 million. Equipment can sit below the CRE floor. Talk to PeerSense.
, PeerSense Capital Advisory · Updated September 7, 2026
As of
| Program | Current Rate | Term |
|---|---|---|
| SBA 7(a) Restaurant Acquisition | Search only | Lender sets it |
| SBA 504 (Buy the Building) | Search only | Lender sets it |
| Equipment Financing | Follows the book | Follows the book |
| B2B Factoring | Follows the book | Follows the book |
| CMBS and Bridge | Follows the book | Follows the book |
Indicative only, as of September 7, 2026. PeerSense sources capital through a curated network of commercial lenders and capital sources. Each source underwrites, funds, and sets its own terms.
Indicative only, as of September 7, 2026. Not a quote, commitment or offer of credit. Final pricing, leverage and terms are determined by the lender at underwriting, after full transaction materials are reviewed. PeerSense sources the file. The lender sets pricing. What these terms mean.
Why Restaurant Operators Pick PeerSense
Indicative as of October 1, 2026. Not a quote. Lenders set final pricing at underwriting.
SBA is search only. Live boxes are B2B factoring from $20 million a month and CRE from $10 million.
Search only. Not a growth lane. Standby seller note credited as equity.
Indicative only, as of October 1, 2026. Not a quote, commitment or offer of credit. Final pricing, leverage and terms are determined by the lender at underwriting, after full transaction materials are reviewed. PeerSense sources the file. The lender sets pricing. What these terms mean.
Indicative of deal types our institutional capital advisory desk structures. Not a representation of completed transactions. Specific deal data available under NDA on request.
Updates instantly · Estimates only · Talk to PeerSense for committed pricing
Indicative only, as of October 1, 2026. Not a quote, commitment or offer of credit. Final pricing, leverage and terms are determined by the lender at underwriting, after full transaction materials are reviewed. PeerSense sources the file. The lender sets pricing. What these terms mean.
Live boxes first. SBA is search only.
PeerSense covers the full commercial capital stack. These are indicative levels direct capital sources have been pricing across these programs as of October 1, 2026.
Focus $100 million a month. Will look at $10 million a month. $10 million is not the focus.
B2B invoices from $20 million a month. Advance 80 to 95 percent of face.
10 year Non Recourse fixed, $10 million and up, fully assumable
$10 million and up. Cash in about 35 percent. Name the takeout first.
$1 billion to $30 billion plus. Signed or guaranteed hyperscaler lease.
15 year lease signed or guaranteed by a hyperscaler. Size follows the lease.
Hotel financing is search only for $10 million and up, with cash in about 35 percent.
Non bank flexibility for commercial real estate at $10 million and up.
Search path. Not a growth lane on this desk.
Indicative only, as of October 1, 2026. Not a quote, commitment or offer of credit. Final pricing, leverage and terms are determined by the lender at underwriting, after full transaction materials are reviewed. PeerSense sources the file. The lender sets pricing. What these terms mean.
The SBA 7(a) program is a common financing tool for restaurant owners. Up to $5 million is the SBA program cap. Down payment is lender underwriting. PeerSense does not set an equity floor. We source. PeerSense sources capital through a curated network of commercial lenders and capital sources.
Commercial kitchen equipment, POS systems, furniture, fixtures, and technology upgrades.
Inventory, payroll, marketing, seasonal cash flow gaps, and day to day operations.
Buy an existing restaurant, franchise location, or food service business with established cash flow.
Buildout costs, renovations, tenant improvements, and space customization.
Stop paying rent. The SBA 504 program is a three party structure for owner occupied commercial real estate with a fixed rate for 20 to 25 years. Equity injection is CDC and lender underwriting. PeerSense does not set a down payment floor. We source. PeerSense sources capital through a curated network of commercial lenders and capital sources.
Equity injection is CDC and lender underwriting. PeerSense does not set a down payment floor.
20 to 25 year fixed rate financing provides payment stability and predictable costs.
Must occupy at least 51% of the building. Perfect for restaurant owners who want to own their location.
Equipment leasing and financing for established operators. Follows the book. There is no 5 day close. Restaurant MCA stacking is a pass. Talk to PeerSense.
Equipment financing follows the file. There is no 5 day close. Talk to PeerSense.
Choose between equipment loans (you own it) or leases (lower payments, upgrade flexibility). Both options preserve working capital.
Equipment financing is a search path on this desk. Growth lanes are B2B factoring from $20 million a month and CRE from $10 million. Restaurant MCA stacking is a pass.
Working capital on this desk is B2B factoring from $20 million a month. Originator tapes from $100 million a month. There is no 5 day close. Restaurant MCA stacking is a pass. Talk to PeerSense.
Operators with a real B2B receivables book. Advance 80 to 95 percent of face. Consumer cards are a pass.
Warehouse and forward flow. Focus is $100 million a month. The desk will look at $10 million a month. $10 million is not the focus.
CMBS and bridge from $10 million and up. Cash in about 35 percent. A $2 million restaurant handoff is a pass.
Restaurant merchant cash advance stacking, $7,500 five day paper, and 24 hour working capital bait are a pass on this desk.
SBA working capital is a search lane, not a growth lane. Growth lanes are originator tape, B2B factoring from $20 million a month, CMBS and bridge from $10 million, and data center with a hyperscaler lease. Talk to PeerSense.
Talk to PeerSenseBuying an existing restaurant or franchise location? SBA 7(a) loans are the most common financing tool for restaurant acquisitions, allowing you to finance goodwill, equipment, inventory, and working capital. Equity injection is lender underwriting. PeerSense does not set a down payment floor. We source. PeerSense sources capital through a curated network of commercial lenders and capital sources.
Buying an existing restaurant means you're acquiring proven revenue, not starting from zero.
Inherit existing employees, operational systems, and customer relationships.
Skip the startup phase and begin generating income from day one.
In some cases, the seller can provide a note (seller financing) that counts toward your equity injection, reducing your out of pocket cash requirement. This is common in restaurant acquisitions and can make deals more accessible.
Scaling beyond a single restaurant location? PeerSense works with food processors, commissary kitchens, catering operations, and food manufacturers who need capital for facilities, equipment, and growth.
Commercial kitchens, processing plants, packaging facilities, and distribution centers.
Industrial mixers, packaging lines, refrigeration systems, and specialized machinery.
Refrigerated trucks, delivery vehicles, warehouse equipment, and inventory systems.
$1.1M SBA 7(a) for food processing facility buildout, 45 day close
A regional catering company needed to expand from a shared commissary kitchen into their own USDA approved processing facility. PeerSense structured an SBA 7(a) loan covering leasehold improvements, commercial equipment, working capital, and initial inventory. The facility opened on schedule, and the company doubled production capacity within six months.
Rate estimates as of March 2026. Actual rates depend on borrower profile, collateral, and deal structure.
| Loan Type | Best For | Range | Est. Rate | Term | Max LTV |
|---|---|---|---|---|---|
| SBA 7(a)TOP PICK | Search only. Restaurant acquisition under the statutory cap | Statutory cap $5 million | Lender sets it | Lender sets it | Lender sets it |
| SBA 504 | Search only. Owner occupied real estate | Statutory cap $5.5 million | Lender sets it | Lender sets it | Lender sets it |
| Equipment Financing | Kitchen equipment, POS, walk ins, exhaust systems | Equipment can sit below the CRE floor | Follows the book | Follows the book | Follows the book |
| Working Capital | B2B invoices. Consumer cards are a pass | $20 million a month | Follows the book | Follows the book | N/A |
| Bridge Loan | Stabilized or transitional income property | $10 million and up | Follows the book | Follows the book | Cash in about 35 percent |
| Business Acquisition | Search only unless the file sits in a live box | Live boxes only | Follows the book | Follows the book | Follows the book |
PeerSense sources capital through a curated network of commercial lenders and capital sources. Rates are estimates. Actual terms vary by capital source.
Current market intelligence from capital sources, not generic advice.
2+ years profitable operations: lenders want to see consistent revenue and positive cash flow, ideally with tax returns showing owner benefit
Strong franchise flag: nationally recognized brands have higher SBA loan volumes. SBA is still search only on this desk
DSCR above 1.25x: debt service coverage ratio is the single most important metric for restaurant loans: it proves you can cover the new payment
Industry experience: borrowers with 3+ years managing restaurants get meaningfully better terms, even if buying a new concept
Clean personal credit: Credit is the lender's underwriting. PeerSense does not set a FICO floor. SBA, equipment, and working capital each underwrite differently.
Real estate collateral or long lease: owning the building dramatically improves loan options; a 10+ year lease helps for equipment and acquisition loans
First time owner with no industry experience: most SBA lenders require restaurant management experience or a franchise training program
DSCR below 1.0x: if the business cannot cover its existing debt, adding more leverage is a non starter
Delinquent taxes or liens: unresolved IRS or state tax issues kill SBA deals immediately. Address these first
Short remaining lease (under 5 years): lenders will not fund a 10 year loan on a location with a 3 year lease and no renewal option
Restaurant MCA stacking: merchant cash advance stacking is a pass. Working capital is B2B factoring from $20 million a month
Restaurant MCA stacking is a pass. Working capital is B2B factoring from $20 million a month. SBA is search only. CRE from $10 million. Talk to PeerSense.
Run a Free Deal Scan on Your Restaurant
Get an instant DSCR estimate, LTV check, and product recommendation in under 60 seconds.
Search only. Full guide to SBA 7(a) for restaurant acquisition and expansion
Hood lines, walk ins, ovens, POS, and full kitchen build out financing
Loan, lease, SBA 504, vendor + captive: Section 179 eligible
Find SBA eligible franchise brands with financing data
B2B invoices from $20 million a month
Live boxes. Not $7,500 five day paper
Bring the file. The desk will tell you if it sits in a live box
Common questions about restaurant financing
Down payment is lender and CDC underwriting. PeerSense does not set an equity floor. Seller notes or other eligible equity sources are a lender decision. We source. PeerSense sources capital through a curated network of commercial lenders and capital sources.
SBA is search only. Lenders evaluate the plan, industry experience, credit, and liquidity. Equipment financing is often more accessible for startups than a conventional bank loan. Credit is the lender's underwriting. PeerSense does not set a FICO floor. Talk to PeerSense.
SBA is search only and follows the CDC and the lender. Working capital on this desk is B2B factoring from $20 million a month. There is no 5 day close. Restaurant MCA stacking is a pass. Talk to PeerSense.
Credit is the lender's underwriting. PeerSense does not set a FICO floor. Equipment programs look at the collateral and cash flow alongside credit. SBA programs have their own standards. Talk to PeerSense.
SBA 7(a) is a search lane for restaurant acquisitions. Equity injection is lender underwriting. PeerSense does not set a down payment floor. Growth lanes are B2B factoring from $20 million a month and CRE from $10 million. Talk to PeerSense.
Equipment loans: you own the equipment from day one and can claim depreciation. Equipment leases: lower monthly payments and easier upgrades. Both preserve cash. The best choice depends on cash flow, tax situation, and how long you plan to use the equipment. Talk to PeerSense.
SBA 504 is search only for owner occupied commercial real estate. You must occupy at least 51 percent of the building. Equity injection is CDC and lender underwriting. PeerSense does not set a down payment floor. CRE from $10 million is the growth lane. Talk to PeerSense.
Working capital on this desk is B2B factoring from $20 million a month. $7,500 five day paper is a pass. Restaurant MCA stacking is a pass. Talk to PeerSense.
Working capital on this desk is B2B factoring from $20 million a month. Restaurant MCA stacking is a pass. SBA is search only. CRE from $10 million.
Talk to PeerSense